Nonprofit · EIN 16-0769914
ERIE COUNTY EMPLOYEES CREDIT UNION
Tax-exempt · BUFFALO, NY 14202
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,074,760 | $892,334 | $182,426 | $31,744,637 | $27,532,515 | $4,212,122 |
| December 31, 2024 | 990 | $921,555 | $767,082 | $154,473 | $30,867,766 | $26,838,070 | $4,029,696 |
| December 31, 2023 | 990 | $860,761 | $727,916 | $132,845 | $31,829,729 | $27,954,506 | $3,875,223 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $528,935
- Investment income
- $545,825
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $102,735
- Other salaries and wages
- $240,095
- Salaries, compensation and benefits (total)
- $431,983
- Professional fundraising fees
- $0
- Occupancy
- $59,189
- Travel
- $15,070
- Program services (functional)
- $752,842
- Management and general (functional)
- $139,492
Balance sheet and other
- Total assets, start of year
- $30,867,766
- Total assets, end of year
- $31,744,637
- Total liabilities, end of year
- $27,532,515
- Net assets, end of year
- $4,212,122
- Net assets without donor restrictions
- $4,212,122
- Gross receipts
- $1,074,760
- Employees
- 8
- Year formed
- 1940
- State of legal domicile
- NY
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KRISTY DREW-GABIOUD | MANAGER BOARD MEMBER Trustee or director, Highest-paid employee | 40 | $102,735 | $18,345 |
| PAUL OWENS | VICE CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| ANTHONY HOUSE | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| BARBARA YOUNG | CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| ROBIN HICKS | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| WALTER SIENKIEWICZ | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| LINDA GIGANTE | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| DAVID KINDA | SECRETARY Trustee or director, Officer | 0 | $0 | $0 |
| JOSEPH SURDYK | TREASURER Trustee or director, Officer | 0 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KRISTY DREW-GABIOUD | MANAGER BOARD MEMBER Trustee or director, Highest-paid employee | 40 | $87,888 | $16,097 |
| ANTHONY HOUSE | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| ROBIN HICKS | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| WALTER SIENKIEWICZ | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| LINDA WALKER | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| PAUL OWENS | VICE CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| BARBARA YOUNG | CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| DAVID KINDA | SECRETARY Trustee or director, Officer | 0 | $0 | $0 |
| JOSEPH SURDYK | TREASURER Trustee or director, Officer | 0 | $0 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KRISTY DREW-GABIOUD | MANAGER BOARD MEMBER Trustee or director, Highest-paid employee | 40 | $80,052 | $14,292 |
| WALTER SIENKIEWICZ | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| LINDA WALKER | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| ROBIN HICKS | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| ANTHONY HOUSE | BOARD MEMBER Trustee or director | 0 | $0 | $0 |
| JOSEPH SURDYK | TREASURER Trustee or director, Officer | 0 | $0 | $0 |
| PAUL OWENS | VICE CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| BARBARA YOUNG | CHAIR Trustee or director, Officer | 0 | $0 | $0 |
| DAVID KINDA | SECRETARY Trustee or director, Officer | 0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 95 FRANKLIN ST, BUFFALO, NY 14202-3925
- In care of
- % JOSEPH SURDYK
- Signed the 990
- JOSEPH SURDYK, TREASURER
- Phone
- (716) 858-6245
- Website
- ERIECOUNTYCREDITUNION.NET
- Return prepared by
- Philip A Bleier CPA
Mission
THE ORGANIZATION IS A STATE CHARTERED CREDIT UNION THAT PROVIDES LOAN SAVINGS AND RELATED FINANCIAL SERVICES TO MEMBERS
Program accomplishments
- THE ORGANIZATION PROVIDES FINANCIAL SERVICES INCLUDING LOANS SAVINGS CHECKING AND DEBIT CARD SERVICES TO ITS MEMBERS. ALL REVENUE AND EXPENSES ARE RELATED TO PROVIDING FINANCIAL SERVICES.Expenses $752,842
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 16-0769914
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1980
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $31,744,637
- Income (IRS master file)
- $1,074,760
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,074,760 | $892,334 | $31,744,637 | XML |
| 990 | December 2024 | $921,555 | $767,082 | $30,867,766 | XML |
| 990 | December 2023 | $860,761 | $727,916 | $31,829,729 | XML |
| 990 | December 2022 | $870,751 | $722,163 | $31,939,315 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 16-0769914).
Questions about ERIE COUNTY EMPLOYEES CREDIT UNION
- What is the EIN of ERIE COUNTY EMPLOYEES CREDIT UNION?
- The employer identification number (EIN) of ERIE COUNTY EMPLOYEES CREDIT UNION is 16-0769914.
- Is ERIE COUNTY EMPLOYEES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1980.
- Are donations to ERIE COUNTY EMPLOYEES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ERIE COUNTY EMPLOYEES CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of ERIE COUNTY EMPLOYEES CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ERIE COUNTY EMPLOYEES CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who are the officers and directors of ERIE COUNTY EMPLOYEES CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 9 people; 1 received compensation from the organization, the highest $102,735 (KRISTY DREW-GABIOUD, MANAGER BOARD MEMBER).
- How much revenue does ERIE COUNTY EMPLOYEES CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,074,760, expenses of $892,334 and total assets of $31,744,637 at year end.
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